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August 2019

Ways To Improve Your Credit Score

person holding a credit card - credit score
Image by Michal Jarmoluk from Pixabay

In today’s world, your credit score is quite important. Not only will your credit score determine whether you can get a mortgage or other bank loan, it will also be checked when you want to sign up for a mobile contract, pay your car insurance in monthly instalments or open a new bank account.

What Is A Credit Score

Your credit score is used by lenders to help them decide whether to issue you with a loan based on your credit history.
If you always pay your bills on time and haven’t been in arrears you will have a good credit score.
However, if you’ve fallen behind with any bills, had your credit accounts sold to debt collectors because you’ve failed to keep up with agreed payments etc, your credit history will be poor.

Get A Credit Rebuild Card

Using a credit card to rebuild your credit is a good way of improving your score. However, it’s a vicious circle because it can be difficult to get a credit card if you have a poor credit history.
There are card companies out there that provide credit to people with a poor score and as long as you use it for small amounts each month then pay the bill in full, it will look good on your credit report.

You can also do the same by looking into smaller loan amounts and making sure you pay them off in full and on time.

Register To Vote

One of the easiest ways to help improve your score doesn’t have anything to do with your payment history, it’s simply to be included on the electoral register.
Being registered to vote means lenders can verify your address and they like to know you have a permanent address.

Another way to improve your score is to pay all your bills on time and never default on payments.
Defaults in the last 12 months will hurt your score more than some from a few years ago.
Reducing all your debt will go a long in helping your score improve.

Building A Good Score Takes Time

Building a good credit score won’t happen overnight. It takes time and planning, especially if your current score is low.
Limiting credit applications, only borrowing what you can afford and making sure all payments are made on time will help the process but you’ll need to be patient.

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Helpful Tips For Setting Up An Office

Image by Malachi Witt from Pixabay

Setting up brand new office space from scratch can be pretty daunting. It doesn’t have to be, however; if you plan ahead and do your research, you may even find yourself enjoying the experience.

Below are some things to think about when setting up your new office.

Make Lists

Lists are your friends! They can help to keep you focused when things start to get overwhelming.
You’re going to need different lists for the different areas of the office. Here are some ideas to get you started:

  • Legal Constraints & Obligations
  • Communications & I.T.
  • Furnishings
  • Stationery & Office Supplies
  • Security Systems

Let’s look at these in more detail.

Legal Constraints & Obligations

If you’re leasing your office space, you need to be aware of any constraints there may be, especially if you’re wanting to make any alterations.

You also need to ensure the office observes health and safety laws as well as complying with the Equality Act to make sure people with disabilities can access the space.

Communications & I.T.

Phone lines, broadband and internet access points are the main areas of communication you’ll need to organise.
You’ll then need to decide how many computers and printers you’ll need and decide whether you’re going to have your own servers and network.

Office Furniture

There are many different styles of office furniture out there so you’re going to need to visualise the space and decide how you want the space to look.

Desks, chairs and office storage for your employees are the first items that come to mind but you may also need larger conference or training tables and comfy seating for visitors.

Stationery & Office Supplies

Stationery is not just paper and pens, you’re going to need to think about letterhead paper, complimentary slips and business cards amongst other things.
You can design your own company logo for your letterhead and business cards, pick from hundreds of different designs online or have it designed specifically for your business by a design firm.

Security Systems

Do your research before buying and installing a security system. There are many different types and levels of security available to suit all budgets.
Don’t go with the first firm you find, get quotes and check reviews before parting with your money.

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A Complete Set Of Furnishing Products

furnishing products

When you are looking for a new house or even thinking about renovating your old house, the first thing that comes to mind is to get a complete set of furnishing products that will give an elegant look to your home.

When you set out to do so, however, you find many difficulties in getting all the quality products or even getting the products of your choice.
I am going to share some places where you can find those quality products as well as products of your choice very easily.

The first thing that you might be looking for is a good mattress because good sleep is what everyone craves for, isn’t it? Studies and research shows that sleep is very essential for a healthy lifestyle, the mattress is one of the most important parts that provide us with sleep. Lack of sleep may cause you several problems that could affect you in your day to day productivity.

Although there are many reasons behind sleep deprivation, the mattress is one of them. So to solve this issue I will suggest you purchase a good quality mattress. Awara is a brand that provides such high-quality mattresses. Awara comes with latex hybrid mattress that is purely made with natural and organic materials, including a layer of GOLS-Certified organic Dunlop latex as well as a cover using GOTS-Certified cotton to help provide comfort and perfect sleep throughout the night that you are dreaming of, every day.

Awara provides these levels of comfort and support through 13” of layers with naturally-sourced materials. And it all starts with the quilted latex mattress topper that is a EuroTop cover made with soft organic cotton and natural wool. The latex mattress topper adds extra cushion without taking away from the firm support below—perfect for back, side, and stomach sleepers, providing you with a perfect sleep. Awara mattresses set the standard for creating a better sleep environment by using a chemical-free fire retardant derived from natural hydrated silica instead of harsh chemicals. Among many other brand reviews, you will find the best awara mattress reviews. So undoubtedly choose Awara mattress.

Now let’s move to another product. The product which we are going to discuss is very trending and is the first choice of many as it makes you feel comfortable. It makes your room refreshing and beautiful. The product that I am talking about is a bean bag. You might have heard of bean bags, even tried them but didn’t get the good one. All I can say is we have excellent bean bags on sale near you; Bean bags for sale near me!

All you have to do is choose your favourite bean bag from a variety of lovely designs and just add them to your collection of the new household furniture. They are high-quality bean bags with an affordable price. So go ahead and purchase a bundle bean bag of your choice.

Lastly, the product which many also like is rugs. Rugs can be used with carpet and hardwood floors. Rugs are usually used to enhance the beauty of your room, and Wovenly provides you different rugs based on style, texture, colours, types, quality, etc. you can simply go to Wovenly and get a good rug for you. There are different rugs available, such as bohemian rugs india, traditional rugs, etc. So choose the best you like.

Have fun choosing new furniture for your dream house.

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Easy Recipes for Students on a Budget

Assorted food - Easy recipes for students on a budget

Have you been on the lookout for easy recipes? Students have a lot of things to do at any one time. They have to attend classes, prepare for assignments, work on school projects, participate in extracurricular activities and find time for fun and leisure with friends.

When they are doing all these things, the last thing that comes up in their mind is food. Students don’t have the time or money to prepare complicated dishes. Most of the opt for budget dishes that will get ready quickly.

Today, we are going to discuss some of the best meal ideas and pocket-friendly dishes and that students can have throughout the semester.

1.      Rice and black beans

Black beans and rice is one of the cheapest and easiest meals for most students. In fact, this is a staple dish in most cultures across the world. The ingredients used in this dish are cheap, healthy and delicious.

To prepare this dish, you need to heat up your cooking oil for a few minutes. You should then add garlic and onion and let them fry for about five minutes. Once the onions are ready, you should add cooked rice and stir for about two minutes.

Next, add vegetable broth to the mixture and lower the heat for about twenty minutes. If you love spicy food, you can add the spices before serving.

2.      Vegetables, sticky rice and sauce

This is a simple and nutritious budget meal that is ideal for most college students. All you have to do is steam a measured amount of rice together with vegetables in a microwave. Heat them up while mixing them together with some soy sauce.

You should also measure the soy sauce to avoid health issues. The three ingredients do not make a flashy meal however, the preparation is simple and cheap. This dish is also healthy.

If you do not have enough money for normal food, you should use assignment writing provider Edubirdie in order to work and keep up with your studies and get higher education.

3.      Black bean burritos and egg

Have you been looking for a budget nutritious breakfast that you can have on the go? This is one of the simple perfect recipes for you. This is a simple dish. All you need to do to prepare it is heat the tortillas on the griddle. As they heat, break and scramble eggs while heating some black beans.

Once the eggs are scrambled, assemble the breakfast burritos and add anything extra you may have in mind such a spice, shredded cheese or sauce. And you are ready to go!

4.      Tomato soup and grilled cheese

Tomato soup and grilled cheese is one of the healthiest and cheapest nutritious meals you can find today. Most students have this dish during lunch hours when working on Topics Mill. Preparing grilled cheese is easy. All you need to do is spread butter on four slices and lay them flat on a frying pan.

Next, add a slice of cheese to each topped by another slice of bread with butter on it. You can add some tomato slices if you don’t mind. Next, heat both sides of the sandwich until a golden brown color appears. The soup part is actually the easiest. You can either by it from the stores or prepare one at home.

5.      Homemade marinara and spaghetti

Preparing your own marinara is not as complicated as it seems. All you need is to is mix a can of tomatoes, chopped onions (half or full depending on the size) and some garlic.

Heat them up for about ten to fifteen minutes and then add pepper and salt to taste. Now pour this sauce over cooked spaghetti and everything is ready. Adding some pieces of garlic buttered toast is a great way to enhance the taste of this dish.

Conclusion

Students should never worry or get into debt because of food. The dishes discussed above are some of the healthiest and pocket-friendly dishes available. All you need to do is purchase a number of the ingredients discussed above and learn how to prepare them.

Most students are spending a lot of money on food when they should be saving up to pay their debts and prepare for life after college. Effective students prepare simple nutritious dishes because they save time. Students who waste time are highly likely to waste their money too. These dishes will help you live a simple stress-free life.  

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Amazing Diet Recipes to Drop Extra Pounds

When it comes to reducing extra pounds, the first thing that comes in mind is starving. But, starving isn’t the actual solution of weight loss. You have to consume a balanced-nutritional diet that will keep you active physically and mentally & also helps to drop excess flab!

Quit worrying! Get ready to find out some delicious and mouth-watering recipes that assist in reducing extra pounds! Before you start consuming these recipes, you have to track your daily weight loss by using weight loss plan calculator. Yes, this calculator tells you about your targeted calorie needs, visit calculator-online.net to get target weight calculator.

Well, say goodbye to weight loss pills and surgeries, just stick with these simple and delicious recipes to get effective and instant results.

diet recipes for losing extra pounds

Diet Recipes For Weight Loss:

Breakfast:

Vitamin-Rich Fruit Salad:

The Things You Need:
  • Papaya
  • Watermelon
  • Grapefruit
  • Passion-Fruit
  • Grapes
  • Lemon
  • Salt
  • Pepper
What You Have to Do:
  • First of all, you have to cut the papaya, grapefruit, and watermelon into medium-sized cubes, and then put them in a bowl
  • Then, you have to cut ½ passion-fruit
  • Then, you have to add 5 grapes, ½ lemon and a pinch of both salt and pepper, mix them very well and consume it

Veggie Scrambled Eggs:

The Things You Need:
  • Eggs
  • Rice Bran Oil
  • Tomato
  • Green Bell Pepper
  • Onions
  • Broccoli Florets
  • Slat
  • Pepper
What You Have to Do:
  • First of all, you have to chop ½ tomato, ¼ onions, 3 broccoli florets into a small cubes
  • Then, you have to heat 1 tsp of rice bran oil in a frying pan and put the onions first
  • After a few minutes, you have to add ¼ green bell pepper, broccoli, and tomatoes
  • Once done, then you have to season the veggies and sauté them
  • Then, you have to beat 2 eggs separately in an empty bowl, and then season them
  • Then, you ought to put the eggs and stirring them to make soft scrambled eggs

Lunch:

Asian Chicken With Brown Rice:

The Things You Need:
  • Chicken De-skinned Breast
  • Sesame Oil
  • Soy Sauce
  • Fish Sauce
  • Spring Onion
  • Green Bell Pepper
  • Red Chili
  • Cloves of Garlic
  • Ginger
  • Brown Rice
  • Salt
What You Have to Do:
  • First of all, you have to prepare the marinade by adding a tbsp of sesame oil, a tbsp of each soy sauce and fish sauce in a bowl and mix them well
  •  Then, you have to rub the marinade on the 1 chicken de-skinned breast, and allow it to sit on maximum for 5 minutes ‘or overnight.’
  • Then, you have to chop 2 cloves of garlic and keep aside
  • Then, you ought to julienne ½ inch ginger and ¼ green bell pepper
  • Then, you have to slice 1 spring onion and ¼ red chili thinly
  • Then, you have to add a tbsp of sesame oil in a frying pan
  • Let oil to heat, and then toss the chopped garlic, sauté them
  • Then, you have to add the ginger and spring onion and allow it to fry maximum about 15 to 20 seconds
  • Then, you have to add the chicken and then cover with a lid and allow it to fry at least 30 seconds
  • Then, you ought to flip the chicken over and repeat the same above step
  • Then, wait till the chicken is half cooked
  • Then, add the bell pepper, chili, and then stir and cover with a lid
  • Then, you can fry it at least 60 seconds more
  • Then, you ought to boil a ½ cup of brown rice and let it become fluffy

Dinner:

Vegetable Clear Soup:

The Things You Need:
  • Medium-Sized Cabbage
  • Carrot
  • Beetroot
  • Stalk of Celery
  • French Beans
  • Lime
  • Salt & Pepper
What You Have to Do:
  • You have to julienne ½ carrot, 1/6 medium-sized cabbage, and 1 beetroot
  • Then, you have to chop 1 stalk of celery in small cubes
  • Then, you have to slice 5 French beans
  • Then, you have to add the ingredient in a pot of boiling water
  • Then, let them boil until the veggies become softened or wait until the water is infused with the entire goodness of the veggies
  • Then, take a bowl and pour the soup in it
  • Then, you have to add a dash of lime, salt and pepper
  • Finally, you have to consume while still hot

Well, track your daily calorie counter using weight loss planner app and stick with the above weight loss recipes to get rid of extra pounds – Good Luck!

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The Marvelous Land Of Oz Book Review #29

The Marvelous Land Of Oz

Here’s the blurb from Goodreads:

First issued in 1904, L. Frank Baum’s The Marvelous Land of Oz is the story of the wonderful adventures of the young boy named Tip as he travels throughout the many lands of Oz. Here he meets with our old friends the Scarecrow and Tin Woodman, as well as some new friends like Jack Pumpkinhead, the Wooden Sawhorse, the Highly Magnified Woggle-Bug, and the amazing Gump. How they thwart the wicked plans of the evil witch Mombi and overcome the rebellion of General Jinjur and her army of young women is a tale as exciting and endearing today as it was when first published over eighty years ago.

My Thoughts

I enjoyed this book as much as I did The Wizard Of Oz. I recognised some characters from the Return To Oz movie that I went to see on a rare visit to the cinema when I was younger.
I know the movie didn’t do very well and everyone criticises it now, but I have to say, I loved it when I watched it at the cinema!

The Marvelous Land Of Oz
Goodreads 2019 reading challenge 29 books read

MamaMummyMum

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Tips On Getting A Good Apartment In Madrid

Moving to Madrid is a great choice anyone would make, given the opportunities and fun the city is known for. Once you’ve made the decision to move, the next thing is to get a good apartment to settle into. If you go through the right method, this shouldn’t be hard. To get an apartment of your choice, you will need some guidelines which this article has outlined for you. Whatever your choice or financial capability is, there’s always something in your category and you can get the best out of them. Here are some tips for you to find the best apartments for rent in Madrid.

Search Well

If you’re looking to get the best authentic there is for whatever category you want, especially if you’re planning on a long-term stay, you should take your search pretty seriously. You should have a budget in mind and know what features you’re particular about and thoroughly search for a house that meets your requirements. If you have a preference for the environment, then you should be very careful with your search. No detail is irrelevant; your comfort is paramount.

Enlist The Help Of A Professional

Getting a professional to give you relevant advice and tips during your search is important if you want to get the best there is. It is their job so they know what to do and how to go about it. Get a broker to help you out. They charge for their services, (to the tenant, the landlord, or both parties) but that notwithstanding, if you are in a competitive place like Madrid and you want the best, you sure do need a broker. If you’re getting a broker, you should negotiate with him properly before committing in any way. Know how he gets paid, whether by the tenant or landlord. Let him know your preferences as to price range, size, neighborhood, amenities, etc., to guide him to the right apartment for you.

Present Yourself Well

Whether you know it or not, there are a lot of people in search of the best apartment as well. So in this competitive market, you should present yourself well. Dress properly and act right, especially when you go to check the apartment because the landlord or agent may be taking note and this may influence their decision to either give you the apartment or not. This tip may not seem so serious but if you know what you’re up against, it will inform your presentation.

Search In The Best Place

If you look at the best places, you’ll find the best apartment. Talking about the best place, you should check out HousingAnywhere. Their services are commendable and their landlords are verified. Searching for an apartment using this platform is very easy. You get to search for the apartment of your choice from a pool of great ones. Whatever your specifications or budget is, you’ll always find one that matches your choice.

Madrid has very nice apartments for everyone irrespective of your budget and preferences. Getting to rent those great apartments depends on how well you can search for them. With these suggestions, you are properly guided and good to go.

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Best Ways to Update Your Home in 2019

No matter how happy you are with your current home, there are always various ways in which it can be improved. Whether it is a simple task, like putting up a new bookcase or adding a fresh lick of paint, or a slightly more difficult job like retiling the roof, even the most seemingly perfect houses will have room for refinement. What’s more, often some of the best solutions are the most economical and won’t require you to spend too much of your hard-earned dollars on carrying them out. From energy-saving tips to superficial retouches, here are some of the best ways to update your home in 2019.

Declutter your storage space

Organizing items in a home is one of those jobs that’s at the top of nearly everybody’s to-do list, yet they somehow never seem to get round to doing it. Not only can it be beneficial to your health as an effective means of reducing stress, but it can also open up spaces with very little effort and provide you with a renewed sense of pride in your home. Once you have cleared away the clutter, you will discover you have made room for new, more functional, or aesthetic objects that will bring a fresh feeling to your living area.

living room - update your home in 2019
Image by Pexels from Pixabay

Add a fresh coat of paint

Undoubtedly one of the most simple ways of sprucing up a home is by painting the walls, effectively helping give new life to those tired and inspiring hues that had long ago lost their glow. Painting walls in light colors can instantly make a room appear bigger and brighter, while also influencing your mood as you step into that space, particularly when they complement the rest of the interior. Furthermore, if you’re looking to sell, it is an easy way of creating appeal to potential buyers without having to break the bank.

Install new radiators

Keeping your house warm and saving money during the cold winter months is no easy task. While insulating your home is a must, you will also need to add warmth when there is an icy chill outside, and this usually comes in the form of radiators. Radiator technology has improved significantly in recent years, as companies have begun to focus more on producing energy-saving models, such as the Eskimo radiators found at warmrooms.co.uk, which efficiently combine great heat output along with low water content. Updating your current heating system with new low-energy models will undoubtedly see your monthly utility bill drop.

new radiators - update your home in 2019
Image by ri from Pixabay

Invest in smart devices

Although the idea of having your home controlled by an electronic device may seem like something from an episode of Black Mirror, it can lead to considerable savings and reduced stress in your day-to-day life. From smart light bulbs to entire security systems, smart devices are a great way of updating your home for the 21st-century and watching your bills drop in price each month. One of the best features that every household should consider is the smart plug, which allows homeowners to control their power outlets remotely using a tablet or smartphone.

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5 Eco Tips For Your Garden This Summer

You can greatly improve the environment by committing to maintaining an eco garden this summer. It’s not that it’s a difficult task to accomplish by any means, but will take some additional knowledge and pre-planning on your end.

The following five tips are going to help you create an eco garden this summer that you can be proud of. Your garden space will look better, be healthier, and you’ll sleep better at night knowing you’re helping the environment and humanity. You’ll likely come to realise it’s not as difficult as you once thought and can then educate and teach others about how to do the same.

1.   Conserve Water

One eco tip for your garden this summer is to focus on conserving as much water as possible. This is especially true if you have a pond, water feature, or lake to take care of. Don’t just choose to recycle and reuse the water but keep it clean with one of the different lake filtration systems out there from Water Garden.

frog on a lily pad - eco garden
Image by Couleur from Pixabay

2.   Use Natural Nutrients

Be mindful that chemical fertilisers aren’t your only option when it comes to maintaining your garden this summer. Instead, consider researching and using natural nutrients that will work just as well, if not better. Make your soil look nice and make sure it stays healthy by choosing natural remedies whenever possible. For instance, you can control plant diseases with items such as milk or baking soda in place of purchasing products that can be harmful to the environment.

3.   Avoid Pesticides

Another idea and tip for your eco garden this summer is to avoid pesticides. Although it seems like an easy way to get rid of weeds and other nuisances, it truly isn’t good for the environment or you. This will be a healthier choice for you, your pets and your kids and you won’t have to worry when you’re out playing in the garden this summer. As an alternative, choose to do the gardening by hand and pick weeds instead of spraying them, for example.

weeding in the garden
Image by summa from Pixabay

4.   Choose Environmentally Friendly Gardening Tools & Equipment

If you want to use tools and equipment to help your garden, then at least make sure they’re environmentally friendly options. Opt to cut your lawn and surrounding grassy areas with a push or electric mower versus a gas one. This will help to reduce the number of chemicals you’re putting out into the air so you can do your part to improve the air quality.

5.   Plant Trees & Natives

What you choose to plant in your garden matters and will have an impact on the environment. Therefore, try to not only pick native plants but also aim to plant more trees. They’ll not only help to beautify your garden area but are also good for the Earth and mankind. Consider the facts that trees improve air quality, provide shade, and create a habitat for the surrounding wildlife. You want to select plants that you know will do well in your climate and will require less work and labour overall.

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Hire a Vacation Photographer in Zanzibar to Capture Your Tropical Dream

An archipelago of islands off the east coast of Africa, even the name “Zanzibar” suggests exotic wildlife and adventure. Travelling to Zanzibar is like stepping out of reality and into a tropical paradise worthy of any fairy tale. To help you navigate your vacation and capture the beauty of the islands in professional photographs, it helps to have a local vacation photographer in Zanzibar. Especially with a photographer like the ones from Localgrapher who are familiar with the island, you can rest assured that all the important parts of your trip will be preserved in your vacation photographs.

Zanzibar

Beaches and Sunsets: Vacation Photography at Its Best

Sunny beaches, swaying palm trees, and spectacular ocean scenery often comes to mind when thinking about Zanzibar. You’ll quickly discover during your vacation that none of these things are overrated; from the popular Nungwi beach on the North-west end of the island to the fancy resorts, you can have any sort of beach vacation you desire. Especially if you’re coming to Zanzibar for a romantic occasion such as a wedding or honeymoon, it’s helpful to have a vacation photographer who can do a photoshoot using the beach scenery and excellent sunsets of the island.

Discover the Local Scene

Zanzibar

To get in on local life, you can visit the charming city of Stone Town which combines a modern port with historic Arab-style architecture in a unique blend. Explore the winding alleys to discover the special off-the-beaten-path places or ask a local photographer for tips about the best places for shots. One of the top attractions of Stone Town is the Forodhani Market, a bustling local shopping area full of fresh local goods and handmade crafts. The market is the perfect place to experience local culture and pick up a unique souvenir.

The Historic Side of the Island

While many people are attracted to Zanzibar by the beaches and wildlife, the island also has an interesting collection of historic sites to add some depth to your vacation. Half an hour away from Zanzibar by boat is the infamous Prison Island which acts as a window to the darker parts of the island’s past. On a lighter note, there is the splendid Palace Museum, more commonly referred to as the Sultan’s Palace. The edifice dates back to the 19th century when it was first used as a government building; today, the impressive structure functions as a museum with information and artefacts about the history of Zanzibar.

Zanzibar

The tropical charm and beauty of Zanzibar has captivated travellers and photographers from around the world. You’ll have the opportunity to experience the magic for yourself when you come to this island for your next vacation. Booking a local photographer helps ensure that not only the spectacular scenery, but also the unique energy of the island will be preserved in your vacation photographs, and with the help of a local, you can get the best advice about the perfect beaches, historic sites, and cultural events on Zanzibar for vacation photography.

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